Customer Service High School

DAMICKA Bennett

* ******* *****, *******, ** **002 ( 201-***-**** (

*******.*******@*****.***

. Hardworking and energetic; flexible; adapt easily to change of

environment and work schedule.

. Personable with a positive attitude and quick study; demonstrates ability

to work on a team or independently.

. Maintain excellent interpersonal communication, time management, and

problem resolution skills.

. Proficient in Word, Encompass, Calyx Point

Experience

CUSTOMER SERVICE/ MORTGAGE PROCESSOR CARTERET MORTGAGE, BAYONNE NJ

APRIL 2003- PRESENT

. As a mortgage processor my responsibilities included taking an initial

application over the telephone or in person.

. I extracted the borrower's credit report to determine how much

financing the borrower is qualified to receive, if applicable.

. I investigated multiple banks and/or investors to ensure that our

company secures the best interest rate for our client.

. Upon selecting the best bank/investor, I submit the borrower's

application along with their credit report for pre-approval.

. Once the borrower was pre-approved, I contacted the borrower to

schedule an appointment for the appraiser to view the property.

. I obtained signatures from the borrower/s for all disclosures for

compliance purposes.

. I gathered income documents from the borrower/s such as W2's or 1040's

and pay-stubs to support the application.

. I submitted the completed application and supporting documents to the

investor.

. Upon receiving a mortgage approval, I ensured all conditions were

cleared per the underwriter's request as listed on the approval

letter.

. Upon clearing all conditions, the bank or investor sent a letter

indicating the loan was cleared to close.

. Once the loan closed I prepare a post closing audit package which

includes a detailed list of signed documents from the bank/investors

and the borrower.

Customer Service/ Mortgage Processor Allied Mortgage, Jersey City, NJ

November 1999- April 2003

. As a mortgage processor my responsibilities included taking an initial

application over the telephone or in person.

. I extracted the borrower's credit report to determine how much

financing the borrower was qualified to receive, if applicable.

. I thoroughly researched several banks and/or investors to ensure that

our company secured the best interest rate for our client.

. Upon selecting the best bank/investor for my client, I submitted the

borrower's initial application along with the credit report for a pre-

approval.

. Once the borrower was pre-approved, I contacted the borrower to

schedule appointments for the appraisal and title company.

. I met with the borrower to obtain signatures for all disclosures for

compliance purposes.

. I gathered income documents such as borrowers W2's or 1040's, pay-

stubs to support the application.

. I then overnight the entire package to the investor and wait for an

approval.

. Upon receiving a mortgage approval, I cleared all conditions the

underwriter listed on the approval.

. Once all conditions were cleared, the bank or investor would send a

clear to close the loan.

. At the time the loan closed I prepared a post closing audit package

which included a detailed list of signed documents from the

bank/investors and the borrower.

EDUCATION

General High School Diploma

Contact this candidate